New Member? Existing Member?

Credit made Awesome!

Get A Credit Account Of Up To N3,000,000
– Pay Only When You Use It!

Moniva is a better credit alternative for you

Moniva gives you the freedom to access credit 24/7 from any digital device. You can withdraw, top-up, and reuse your credit account whenever you need to – in real-time.


Up to N3,000,000 credit cap, rates as low as 3.5% monthly

Unlike a loan, our credit account if super flexible. Withdraw any amount you need, any time you need. Our pricing is super fair, starting at 3.5% monthly. Pay only for what you are using.


Super easy to use, no small letter charges

No set up fees, no maintenance fees. 100% convenient. 100% online. No paperwork.